<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S BALANCE SHEET AS OF SEPTEMBER 30, 1996 AND THE STATEMENT OF INCOME
FOR THE NINE MONTHS ENDED SEPTEMBER 30, 1996, AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH BALANCE SHEET AND STATEMENT OF INCOME AND THE NOTES
THERETO.
</LEGEND>
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                          32,334
<INT-BEARING-DEPOSITS>                           5,827
<FED-FUNDS-SOLD>                                22,400
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     25,405
<INVESTMENTS-CARRYING>                           7,777
<INVESTMENTS-MARKET>                             7,773
<LOANS>                                        294,268
<ALLOWANCE>                                    (4,235)
<TOTAL-ASSETS>                                 406,379
<DEPOSITS>                                     368,903
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              3,059
<LONG-TERM>                                        179
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        14,872
<OTHER-SE>                                      19,366
<TOTAL-LIABILITIES-AND-EQUITY>                 406,379
<INTEREST-LOAN>                                 23,087
<INTEREST-INVEST>                                3,167
<INTEREST-OTHER>                                    93
<INTEREST-TOTAL>                                26,347
<INTEREST-DEPOSIT>                               7,360
<INTEREST-EXPENSE>                               7,375
<INTEREST-INCOME-NET>                           18,972
<LOAN-LOSSES>                                    1,747
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 16,356
<INCOME-PRETAX>                                  4,775
<INCOME-PRE-EXTRAORDINARY>                       4,775
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,928
<EPS-PRIMARY>                                      .67
<EPS-DILUTED>                                      .67
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                    0
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0